• 

  3

  Singapore tax deductions and rebates you probably didn’t know you could get

  By Ryan Ong on January 12, 2018

  The tax system in Singapore is quite straightforward. Unlike many other countries, you don’t need to pay a trained accountant to identify all the ways...

• 

  4

  How servicing your mortgage in cash instead of CPF can add $200,000 to your retirement

  By Ryan Ong on December 22, 2017

  Most Singaporeans prefer to service their mortgage using their CPF Ordinary Account (CPF OA). In fact, you are probably wondering why some Singaporeans service their...

• 

  1

  4 things you need to aim for before you can retire comfortably in Singapore

  By Ryan Ong on August 7, 2017

  There are plenty of Singaporeans who have the capacity to retire, but still find themselves working. Some of these people work because they enjoy it,...

• 

  How much do you need to retire at 45 in Singapore?

  By Ryan Ong on June 9, 2017

  There is no reason why the official retirement age (currently 62) should be the “right” age for everyone to retire on. All of us have...

• 

  15

  30 years from now: how much your lifestyle will cost in 2047

  By Ryan Ong on May 19, 2017

  One of the major threats to a retirement fund is inflation. With rare exceptions, the cost of living will always increase — you could buy...

• 

  14

  4 reasons why property may not be the best asset for retirement

  By Ryan Ong on May 5, 2017

  Property investments have long been favoured in Asian cultures, and Singapore is no different. The appeal is as much psychological as it is financial: you...

• 

  How to rebalance your portfolio for retirement

  By Ryan Ong on April 21, 2017

  Building your portfolio is not a one-off event. Even if all your investments are passive, the portfolio has to be “tweaked” now and again, to...

• 

  6

  Important things you need to know before becoming an accredited investor

  By Ryan Ong on March 31, 2017

  Following the Swiber debacle, many wealthy (sorry, formerly wealthy) Singaporeans are regretting their decision to become accredited investors. From all appearances, it seems accredited investors are...

• 

  4

  How to choose which CPF LIFE retirement plan is best for you

  By Ryan Ong on March 10, 2017

  In the past, CPF retirement options were confusing. There used to be 12 different methods of getting your pension which only had subtle differences. This...

• 

  5 things Singaporeans must have by the time they’re 50

  By Ryan Ong on March 3, 2017

  “How much do I need to retire?” That’s the question that makes financial advisors and wealth managers sigh. It’s impossible to answer because it can...

• About The Fifth Person

  

  The Fifth Person believes in spreading a message. A message that sound investment knowledge, financial literacy and intelligent money habits can help millions of people around the world achieve financial security, freedom and lead better lives for themselves, their family and their loved ones.

  Our company and the knowledge we share here is born of that vision. So take a tour around the site and read our articles. We hope that the good stuff we have here will lead to smarter, more profitable investment decisions for you and the world at large.

• Disclaimer

  This is neither a recommendation to purchase or sell any of the shares, securities or other instruments mentioned in this document or referred to; nor can this course material and/or document be treated as professional advice to buy, sell or take a position in any shares, securities or other instruments. The information contained herein is based on the study and research of the Fifth Person Pte Ltd (“the Authors”); and are merely the written opinions and ideas of the Authors, and is as such strictly for educational purposes and/or for study or research only.

  This information should not and cannot be construed as or relied on and (for all intents and purposes) does not constitute financial, investment or any other form of advice. Any investment involves the taking of substantial risks, including (but not limited to) complete loss of capital. Every investor has different strategies, risk tolerances and time frames. You are advised to perform your own independent checks, research or study; and you should contact a licensed professional before making any investment decisions.

• Tags

  ticker featured Singapore annual general meeting Malaysia REITs USA China Warren Buffett dividends interest rate inflation ETFs StarHub Singtel Nera Telecommunications Hong Kong Berkshire Hathaway Alibaba The Investment Quadrant retirement Straits Times Index S&P 500 Thailand BreadTalk deep value investing Benjamin Graham Yahoo Apple Keppel Corporation Japan CPF SGX M1 oil due diligence Wilmar International Brexit OSIM International circle of competence

Copyright © 2018 The Fifth Person. All rights reserved.